Copyright & Licensing Policy & Terms of Use

Effective Date: June 23, 2025

Last Updated: June 23, 2025

CABAC Insurances (CABI) – Application Copyright & Licensing Policy & Terms of Use

Article I. Ownership of Intellectual Property

1.1. The CABAC Insurances Mobile Application (the "Application"), including without limitation its design, text, graphics, user interface, trade dress, logos, icons, images, software code, databases, audiovisual works, and documentation (collectively, the "App Content"), is the sole and exclusive property of CABAC Insurances ("CABI").

1.2. All App Content is protected by United States and international copyright, trademark, and intellectual property laws. Unauthorized use shall constitute infringement and may give rise to civil and criminal liability.

Article II. License Grant

2.1. Subject to strict compliance with these Terms, CABI grants the end user a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the Application solely for personal, non-commercial purposes related to CABI membership and services.

2.2. This license does not transfer any ownership rights. All rights not expressly granted are reserved by CABI.

Article III. Restrictions on Use

3.1. Except as expressly authorized in writing by CABI, the user shall not:

  • Copy, reproduce, republish, upload, post, transmit, publicly display, translate, or distribute App Content;
  • Modify, adapt, reverse engineer, decompile, disassemble, or attempt to derive source code;
  • Sell, rent, lease, lend, sublicense, or commercially exploit the Application or its content;
  • Circumvent, disable, or tamper with any security, encryption, or digital rights management (DRM) features;
  • Remove or obscure any proprietary rights notices contained in the Application.

3.2. Any violation constitutes a material breach and shall result in immediate termination of the license.

Article IV. User Accounts and Responsibilities

4.1. Users may be required to create an account to access certain features. Users agree to:

  • Provide accurate and complete information;
  • Maintain the confidentiality of login credentials;
  • Accept responsibility for all activities conducted under their account.

4.2. Users are prohibited from engaging in:

  • Fraudulent, deceptive, or unlawful conduct;
  • Use of the Application in violation of applicable laws or regulations;
  • Interference with or disruption of CABI's servers, networks, or systems.

Article V. Third-Party Content and Services

5.1. The Application may incorporate or provide access to third-party content and services, including but not limited to Google Maps, payment processors, and APIs.

5.2. All such third-party content is governed exclusively by the respective provider's terms of service and license agreements. CABI disclaims any responsibility or liability for third-party services.

Article VI. Copyright Infringement Notice (DMCA Compliance)

6.1. CABI complies with the Digital Millennium Copyright Act (17 U.S.C. §512). Notices of infringement must be directed to:

CABAC Insurances (CABI)
Attn: Copyright Agent
Email Address: [email protected]
Chicago, Illinois, USA

6.2. Notices must include:

  • Identification of the copyrighted work claimed to have been infringed;
  • Identification and location of the infringing material within the Application;
  • Contact information of the complaining party;
  • A statement under penalty of perjury that the complaint is authorized;
  • The signature of the complaining party or authorized agent.

Article VII. Disclaimers of Warranties

7.1. The Application is provided on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, express or implied.

7.2. To the maximum extent permitted by law, CABI disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

7.3. CABI does not warrant that the Application will be uninterrupted, error-free, secure, or free of viruses or harmful components.

Article VIII. Limitation of Liability

8.1. To the fullest extent permitted by applicable law, in no event shall CABI, its affiliates, officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, or goodwill, arising from or related to use of the Application.

8.2. CABI's aggregate liability for all claims shall not exceed the amount, if any, paid by the user for accessing the Application.

Article IX. Enforcement and Remedies

9.1. CABI reserves the right to suspend, terminate, or restrict any user's access to the Application for actual or suspected violations of this Policy.

9.2. CABI may pursue all legal remedies available under contract, tort, statute, and equity, including injunctive relief and damages.

Article X. Governing Law and Dispute Resolution

10.1. This Agreement shall be governed by and construed in accordance with the laws of the State of Illinois, United States of America, without regard to conflict-of-law principles.

10.2. Any dispute, controversy, or claim arising under or relating to this Agreement shall be resolved exclusively by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, with the arbitration to take place in Chicago, Illinois.

10.3. The arbitral award shall be final and binding, and judgment thereon may be entered in any court of competent jurisdiction.

Article XI. Platform Compliance

11.1. This Policy and Terms of Use are intended to fully comply with the Google Play Developer Program Policies and the Apple App Store Review Guidelines.

11.2. In the event of conflict, the stricter standard shall apply to ensure full compliance with applicable platform requirements.

Article XII. Account Termination and Suspension

12.1. Termination by User. Users may terminate their account at any time by contacting CABI support or using the account deletion feature within the application.

12.2. Termination by CABI. CABI reserves the right to suspend or terminate accounts for:

  • Violation of these Terms of Use or Privacy Policy
  • Fraudulent or illegal activity
  • Non-payment of required fees
  • Misuse of the application or its services
  • Any other conduct deemed harmful to CABI or other users

12.3. Effect of Termination. Upon termination, users will lose access to the application and their account data may be deleted in accordance with our Privacy Policy.

12.4. Data Retention. Some data may be retained for legal compliance, fraud prevention, or legitimate business purposes as outlined in our Privacy Policy.

Article XIII. Mobile Application Specific Terms

13.1. App Store Compliance. This application is distributed through Google Play Store and Apple App Store. Users must comply with the respective store's terms of service.

13.2. Updates and Maintenance. CABI may release updates to improve functionality, security, or compliance. Users are responsible for installing updates.

13.3. Device Requirements. The application requires compatible mobile devices with internet connectivity. CABI is not responsible for device compatibility issues.

13.4. Offline Functionality. Some features may require internet connectivity. CABI does not guarantee uninterrupted service.

13.5. Push Notifications. Users may receive push notifications for important updates. Notification preferences can be managed in device settings.

Article XIV. Miscellaneous

14.1. Entire Agreement. These Terms constitute the entire agreement between CABI and the user with respect to the Application.

14.2. Severability. If any provision is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

14.3. Waiver. No waiver of any term shall be deemed a waiver of any other term, and CABI's failure to enforce any provision shall not constitute a waiver of its right to do so later.

14.4. Amendments. CABI reserves the right to amend or update these Terms at any time. Continued use of the Application constitutes acceptance of any revised Terms.

14.5. Survival. Provisions regarding intellectual property, disclaimers, limitations of liability, and dispute resolution shall survive termination of these Terms.